Call reports 2012
CITIZENS STATE BANK OF LULING — 2012
What CITIZENS STATE BANK OF LULING reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 58,126,000 | 58,346,000 | 60,104,000 | 61,580,000 |
| Total loans | 40,571,000 | 40,152,000 | 37,888,000 | 38,925,000 |
| Allowance for loan losses | 497,000 | 493,000 | 431,000 | 473,000 |
| Securities available for sale | 5,634,000 | 5,901,000 | 6,105,000 | 6,126,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,248,000 | 51,387,000 | 52,952,000 | 54,642,000 |
| Interest-bearing deposits | 35,239,000 | 35,509,000 | 35,181,000 | 37,000,000 |
| Noninterest-bearing deposits | 16,009,000 | 15,878,000 | 17,772,000 | 17,642,000 |
| Equity capital | 6,745,000 | 6,845,000 | 6,967,000 | 6,893,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 665,000 | 1,334,000 | 1,981,000 | 2,630,000 |
| Interest expense | 57,000 | 105,000 | 147,000 | 179,000 |
| Net interest income | 608,000 | 1,229,000 | 1,834,000 | 2,451,000 |
| Noninterest income | 117,000 | 217,000 | 335,000 | 464,000 |
| Noninterest expense | 608,000 | 1,168,000 | 1,734,000 | 2,282,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 117,000 | 278,000 | 435,000 | 633,000 |
| Income tax | 29,000 | 92,000 | 148,000 | 198,000 |
| Net income | 88,000 | 186,000 | 287,000 | 435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,581,000 | 6,679,000 | 6,780,000 | 6,730,000 |
| Total capital | 7,078,000 | 7,172,000 | 7,211,000 | 7,203,000 |
| Risk-weighted assets | 42,051,000 | 41,459,000 | 41,101,000 | 41,582,000 |